David Brasfield

Many community banks launch credit card issuing programs with agent bank providers because they seem like the simple option. But that simplicity comes with trade-offs: 1. Low revenue 2. Limited control over your program or product design 3. Weak customer relationships There’s a better option. Owning a credit card program enables community banks to profit more, leverage local knowledge, win customer loyalty, launch quickly, and compete with big issuers in the market. 💡 You don’t need to build an issuing platform from scratch or settle for handing your customers over to an agent bank. Learn more about owning your issuing program in our new blog: https://lnkd.in/gtmZUDXF #communitybanking #creditcards #communitybank #issuing

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The democratization offered by AI is making it easier for low-skilled, inexperienced bad actors to launch high-impact schemes. Sift Citizens Bankwell K2 Integrity Q2 PSECU MSU Federal Credit Union InRoads Credit Union Vantage Bank Federal Bureau of Investigation (FBI) https://hubs.la/Q03n02Hj0 #fraud #scams #financialservices #banking #cybersecurity #ai #tech

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🚨 𝗠𝗮𝗷𝗼𝗿 𝗖𝗵𝗮𝗻𝗴𝗲𝘀 𝗖𝗼𝗺𝗶𝗻𝗴 𝘁𝗼 𝗡𝗔𝗖𝗛𝗔 𝗖𝗼𝗺𝗽𝗹𝗶𝗮𝗻𝗰𝗲 𝗶𝗻 𝟮𝟬𝟮𝟲 🚨 If you're a 𝗧𝗵𝗶𝗿𝗱-𝗣𝗮𝗿𝘁𝘆 𝗦𝗲𝗿𝘃𝗶𝗰𝗲 𝗣𝗿𝗼𝘃𝗶𝗱𝗲𝗿 (𝗧𝗣𝗦𝗣) operating in the ACH space—especially in fintech—now is the time to act. NACHA is tightening its fraud monitoring expectations, and TPSPs are squarely in the spotlight. The 2026 rule changes 𝗱𝗲𝗺𝗮𝗻𝗱 𝗽𝗿𝗼𝗮𝗰𝘁𝗶𝘃𝗲 𝘀𝘁𝗿𝗮𝘁𝗲𝗴𝗶𝗲𝘀 to detect: ✅ Originators with unusual ACH volumes ✅ Rapid-fire transactions from newly created accounts ✅ Behavior consistent with money mule activity At Unit21, we’re here to help you stay ahead. From customizable rules like: 📌 Flagging new accounts receiving $10K+ in 7 days 📌 Catching 80%+ outflows within 48 hours We make fraud detection and compliance 𝘴𝘪𝘮𝘱𝘭𝘦 𝘢𝘯𝘥 𝘱𝘰𝘸𝘦𝘳𝘧𝘶𝘭. 🔗 Dive into Nacha's expectations and how Unit21 can help: https://hubs.li/Q03QMSZ00

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For many Community Banks, hiring someone with the skill set to keep a bank safe and FFIEC compliant is either difficult to find or completely unaffordable. For those banks, a vCTO solution might be the answer. https://ow.ly/ZqsP50XmzQV

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Continuous acquires Sycorr to boost bank security Continuous, formerly known as SMA Technologies, has acquired Sycorr, a provider of identity and access management software designed for banks and credit unions. Read the story here: https://lnkd.in/gaaq4p9j #FinTech #RegTech #Compliance Todd Dauchy

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Fraud prevention shouldn't mean sacrificing the relationships that make community banks and credit unions special. Agent IQ is enhancing Lynq® with integrated identity verification from IDScan.net. When fraud risk is suspected, staff can request verification within the messaging interface. Account holders photograph their ID using their device. IDScan.net's technology instantly verifies the document and checks for fraud risk. FAB&T was among the first institutions to adopt this capability, using it to confirm identity during high-risk service requests without compromising the trust and convenience their customers value. Identity theft losses hit $47 billion in 2024. Financial institutions need security that doesn't damage the personal relationships they depend on for competitive advantage. This integration joins other fraud prevention capabilities within Lynq, including video verification, IP monitoring, and SMS alerts. See the full release and integration in action at: https://lnkd.in/g7HBwRWd #FraudPrevention #AgentIQ 

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